I'm able bodied, but like you and many other commenters here, I'm also a coward. I don't buy this 'home of the brave' crap, and like you I agree that cowardice is reasonable, and having more cowards makes us better as a society and a nation.
It's good that there are lots of elderly, disabled, and single mothers who have no option but to use public transit. It makes me feel good inside that if something ever goes wrong, I can run away faster than all of them. Not that I would ever use public transit. I like that America has a system for me, and a separate system for everything that I'm afraid of. It's what our grandfathers fought and died for.